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On today's edition of Financial Impact Factor Radio with Paul Petillo, Dave Kittredge and Dave Ng, we look outside the country for the way other nations are grappling with their financial literacy. I have mentioned before that I am not a fan of that term in part because I believe that people do know quite a lot (which doesn't make them financially illiterate) but they don't put it into practice. It doesn't mean they don't know it. Kids are influenced by the people around them and this creates a cascading effect of bad habits.